Having a holiday home can provide you with a valuable escape from the pressures of modern life- a chance to get away to your preferred location as and when you please. However, given the purpose of a holiday home, these tend to stay empty for a large portion of the year. Despite this, it is just as important to seek cover for your holiday home as for your main home.
In fact, some would argue even more so – left unattended for large periods of time, your holiday home is naturally more vulnerable to damage and theft, making it all the more important to protect the structure and contents when not being used or occupied by the owner.
Those who rent out their property also need to be protected against poor maintenance at the hands of the tenants. At Livingstones we have a team dedicated to helping you with your holiday home insurance, going above and beyond to provide you with comprehensive cover at an affordable price.
Building & Contents Cover
Whether you have a villa in sunny Spain or a cosy cottage in Cornwall, we know how important your holiday home is to you. That’s why we strive to help you whatever your circumstances. Just because your property is overseas doesn’t mean you should forfeit access to the level of protection available in the UK.
As such, holiday homes require both buildings and contents cover. Building cover protects against structural damages and usually includes the cost to repair or rebuild the home, including external structures as well as swimming pools for those lucky enough to own them. This is needed in case the structure suffers irreparable damage due to natural disaster or fire accidents.
Contents cover, as the name would suggest, serves to secure any valuable contents, electronic gadgets, appliances, furniture or decorative pieces that may adorn the home, even if rented out.
Given the unique requirements of a holiday home, extra cover is often sought out by many in order to meet any unexpected expenses such as:
- Emergency cover to handle damage to utility structures, such as heaters, coolers, water pipes, etc.
- Accidental damages cover to address a damaged roof or window pane.
- Courtesy accommodation to relocate guests or tenants, in case of emergencies that render the holiday home unusable.
It is important to find a reputable insurance provider when searching for cover for your holiday home. You can rest assured when dealing with us that we will always act with your best interests in mind and maintain honesty and transparency at all times.